One and a half year ago, the IMF looked for a solution to automate bill payments in Kosovo. Knowing the Dutch acceptgiro-system, the question was if that could be made to work in Kosovo, but then with an optical barcode. Dutch payments consultant Stefan Gonggrijp assisted the Kosovo community onsite and here it is: the Kosgiro.
Right now it is a trial. And the work on fees and interchange fees has not yet been finished. But it is a promising start, to say the least.